Attorney General Eric Holder has instructed U.S. prosecutors to decide within 90 days whether any civil or criminal cases against individuals remain viable for crimes that contributed to the financial crisis.

In the five years since the crisis, government authorities have won nearly $83 billion in credit crisis and mortgage-related settlements from the nation’s six largest banks — while the banks have earned more than $320 billion in profits.

The nation’s third largest bank will pay $7 billion to settle a federal investigation into whether it misled investors about the quality of mortgage-related securities that it sold in the run-up to the financial crisis.

Nearly six years since the peak of the financial crisis, U.S. prosecutors are still battling the impression that no single bank is too big to jail. But a pair of recent victories may help reverse that perception.

Well before the 2008 financial meltdown, mortgage industry insiders discovered a ticking time-bomb that they say went up to the very top of Wall Street. What did they find? Who did they warn? And what happened to their warnings?

Prosecutors are holding Wall Street to account for the financial crisis, but success should not be measured solely by the number of convictions to date, says the head of the Justice Department’s criminal division.

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